Can I drive someone else’s car with Third Party?
We all struggle with the different levels of cover for car insurance and most of us often have unanswered questions. ‘What am I covered for with Third Party Insurance?’ is often one of these questions. To provide some clarity on this, below are our different levels of car insurance cover and what it means for you as the driver.
Third Party insurance is the most basic form of driving cover in the UK. Third Party car insurance is the minimum legal level of cover needed to drive a vehicle. If you have Third Party insurance you are covered if you cause damage to someone else’s property, injure them or injure your passengers whilst you are driving.
GoSkippy’s Comprehensive insurance
Fully comp cover insures against any accident that you may have, whether it’s your fault or not. This includes damage caused to your car when it is unattended, such as a vandalism incident or a hit and run. However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim. Comprehensive cover also covers your legal liability to third parties (including damage to their vehicle or compensation for injuries sustained if the accident was your fault). The cover extends to fire damage to your car, or damage arising out of the theft or attempted theft of your car.
GoSkippy’s Third Party, Fire and Theft insurance
Your legal liability to third parties is covered (including damage to their vehicle or compensation for injuries sustained if the accident was your fault). The cover also extends to fire damage to your car, or damage arising out of the theft or attempted theft of your car.
Better to be safe than sorry…
You could be breaking the law if you are driving someone else’s car with Third Party cover. If you have Driving Other Cars cover this will be clearly stated on your certificate of insurance. The ‘driving other cars on a Third Party only basis’ extension is only provided on policies where this is specifically detailed on your most recent Certificate of Motor Insurance. If it does not include this wording, or has alternative wording to advise you that it is not in place, you are not covered to driver other cars. If you are eligible for the ‘driving other cars on a third party only basis’ extension, please ensure that you have read your key fact policy summary and policy wordings. All terms, conditions and limitations prior to using this extension.